Travel Insurance Rules for Schengen Area

Essentially, the Patriot Plan will meet these requirement without any problem. Once you purchase your plan you will get an email almost instantly. The email will have a link to a Visa Letter. The Visa letter can be printed and should be kept with you when you pass through customs. The Visa Letter includes full contact information so customs could call and validate coverage if they desired to do so. Here is an excerpt of the Visa Letter used for a primary destination of Italy with a $50,000 policy limit:

Medical coverage is provided while traveling worldwide outside of the insured person’s Home Country including ITALY, per the policy provisions. Coverage includes the Schengen states per the policy provisions. Emergency evacuation (also known as Repatriation) is provided up to a maximum benefit of 500,000.00 USD, and Return of Mortal Remains benefits up to a maximum of 50,000.00 USD are included. A copy of the Schedule of Benefits providing an outline of coverage provided, limitations and maximum benefits, is attached, as well as the Declaration Page of the Certificate indicated above. This information will verify that Eligible Expenses, including Hospitalization expenses, are subject to an annual deductible. The maximum limit of coverage for the lifetime of the coverage is 50,000.00 USD.

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What You May Not Know

1.A traditional health insurance policy through your employer will not cover you abroad.2.A private US policy or an Obamacare Plan will not cover you abroad.3.The US gov. recommends no less than $50,000 of coverage for medical evacuation.

Food Poisoning – Watch Out

One of the number one illnesses while abroad is FOOD POISONING. When at home a case of food poisoning may only last 24 hours, but when abroad travelers often become violently ill due to consumption of food infected by bacteria and other toxins.

If you fall victim to food poisoning you will need to drink a great deal of water to help flush your system. Many people become so ill, they are hospitalized and put on an IV and antibiotics. Sadly, many regions of the world have limited access to the high quality antibiotics that are available in more modern countries.

*Travelers visiting Africa and Asia have extraordinarily high likelihood of experiencing some form of food poisoning during their trip.

Note To Americans:

Medicare and Federal MarketPlace Plans (Obamacare) do NOT provide coverage outside of the U.S.

Definition of Travel (v)

: To go on a trip or journey : to go to a place and especially one that is far away.
: To go through or over (a place) during a trip or journey.
:To move from one place to another.

Def. of Insurance (n)

: an agreement in which a person makes a payment to a company and the company promises financial protection against injury, illness or damage.
: a means of guaranteeing protection or safety.